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i need help understanding my options and how this all works.

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diddymyster



Joined: 18 Mar 2009
diddymyster's page
Posts: 1



65 Magic Points

Subject: i need help understanding my options and how this all works.
 
Posted on Wed Mar 18, 2009 7:14 am  

Ok, heres my situation. I had pretty good credit for a few years and am only 22 yrs old. A little over a year ago i was shot during a robbery at a place i worked. I went on workmans comp but got paid barely anything. I had two student loans one of which has about 1500 on it and the other had about 900. The lower of the two i started to get late payments on, and the higher i got a foreberance for it. eventually i came back to work and quit about six months after that. During that time i was still behind on that student loan constantly, never being able to get my head above water per say. After i quit for obvious reasons it took me a couple of months to get a job. I had a best buy credit card that had only about 850 on it that started to go late, middle-late last year (08'). Now i have paid off the best buy card after it went to collections here last month. The lower of the student loans has about 550 left and i will be paying that off soon. Since my credit is now very bad, and it all started after i got shot and then the ensueing troubles, is there anything i can do to fix that. Me and my wife are looking at getting a house but i wont be able to because of this. Total i have 15000 on a car, 1500 student loan, 600 student loan and thats it for debt. my main question is do i have options for not necessarily disputing the late payments but getting considerations to change any of that. my credit score is like 560 right now which stinks but i dont really understand all of this stuff. also, i know one cant really say how fast a score will go up, but since the best buy was somewhat recent, is there any educated guesses as to how fast my score will go up with just putting time inbetween the late payments and now, as well as paying off the two student loans. just wondering. i would really appreciate any opinions anyone may have and also appreciate anyone who reads all this. Thanks
DEVID85



Joined: 05 Mar 2009
DEVID85's page
Posts: 23



87 Magic Points

 
Posted on Wed Mar 18, 2009 8:08 am  

Its an unfortunate incidence. Your score need to at least cross 700 to enter a better environment. You may try increasing your existing credit limits. Convince a good score card to assign with you.

A secured credit card is a good way to increase your credit score. A new loan with good payment record will help improve your score.
You should plea to remove the remarks for less than 30 day late payments from your lender.

But your case can be better understood by authority where you are appying. They also have better rights to analyze to your situation while allotting the loan. Try this. But beware rejection of a loan will reduce your
score further.

Just for doubt and remind, had you have any insurance on loan?
creditexpert
Guest






Subject: suggestion
 
Posted on Wed Mar 18, 2009 11:08 pm  

Sorry about that bad luck, glad you are okay. If I were you I would explain your situation to the original lender(s) and ask them to "reage" your accounts. They can reage your account as current, never paid late once you show 3 months of on-time payments. This is similar to a goodwill adjustment. Google reage and you can read all the specifics lenders follow. You may want to add some good history to your account to. You can open a secured credit card with a local bank or credit union and they will report your on-time payments to the credit bureaus every month adding more good credit. You put an amount of money on deposit ($300-or more) and they give you a credit card backed by that deposit as a way for you to build credit. Bank of America has that product as do a number of banks and credit unions. Third, you can add a 100 word statement to your credit report explaining this incident but in my experience its not wise to as you are admitting the late payments.
Good luck
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1883



1916 Magic Points

Subject: credit
 
Posted on Thu Mar 19, 2009 3:21 am  

I have a Student Loan, myself. A few times, I've had a Hardship Forbearance on it because I was getting behind in payments. A Hardship Foreberance is different than a 'regular' Foreberance: A Hardship Foreberance you don't pay % on the loan while it is in Harship status. A 'regular' Foreberance you DO accummulate % on the loan. However....if you're behind in payments, your Foreberance will bring your account back to 'up to date'.
carol

carol

Joined: 27 Jun 2006
carol's page
Posts: 1299
Location: Los Angeles, California


30073 Magic Points

 
Posted on Tue Mar 24, 2009 5:45 am  

To get a loan to purchase a house, you need to have a score of 720 and above and it is not so easy to take your score up to 720 from 560. However, if you pay back the outstanding debts on time, there is a chance that your credit score will go up due to the credit history factor. But if you default on the payments on the existing debts, your score may fall further. I think that it may take a year or two to make your credit score cross the 700 mark.
_________________
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Carol
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